YMA TECH
ActiveThe computed 12-month bankruptcy probability of YMA TECH is 2.0% (moderate). The 2025 annual accounts show equity of €22k and a net result of €4k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 956 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+85
Solvency100▲+32
Growth52=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 6.75 against 1.4 in 2024; short-term debt: 13.4% and cash: 1.5% of total assets), and 13.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86.6%
Return on assets
15.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
14 d early
2024
29 d late
2023
141 d late
2022
507 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 22.5%
2024 · €18k
2022: €13k
2023: €23k
2024: €18k
2022 → 2025
Total assets
€25k▼ 39.1%
2024 · €41k
2022: €18k
2023: €48k
2024: €41k
2022 → 2025
Net result
€4k
2024 · €-8k
2022: €13k
2023: €10k
2024: €-8k
2022 → 2025
Working capital
€19k▲ 108%
2024 · €9k
2022: €12k
2023: €9k
2024: €9k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€23k▲ 72.6%€18k▼ 23.0%€22k▲ 22.5%
Operating result€17k-€13k▼ 23.2%€-5k€6k
Net result€13k-€10k▼ 27.4%€-8k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25k
Fixed assets
€2k▼ 71.7%
Current assets
€23k▼ 30.8%
Equity and liabilities €25k
Equity
€22k▲ 22.5%
Debt
€3k▼ 85.7%
The debt ratio falls from 57.0% to 13.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €2k
Cash flow
€11k▲
2024 · €-2k
Solvency
86.6%▲
2024 · 43.0%
Current ratio
6.75▲
2024 · 1.40
Quick ratio
6.75▲
2024 · 1.40
Debt / equity
0.15▼
2024 · 1.32
ROE
18.4%▲
2024 · -46.8%
ROA
15.9%▲
2024 · -20.1%
Interest coverage
55.32▲
2024 · 0.45
Debt
€3k▼
2024 · €23k
Debt ≤ 1 year
€3k▼
2024 · €23k
Income taxes
€3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€41k€25k▼
Fixed assets21/28€8k€2k▼
Tangible fixed assets22/27€8k€2k▼
Furniture and vehicles24€8k€2k▼
Current assets29/58€33k€23k▼
Amounts receivable within one year40/41€33k€22k▼
Trade receivables40-€303
Other amounts receivable41€33k€22k▼
Current investments50/53€0€0=
Cash at bank and in hand54/58€32€380▲
Deferred charges and accrued income490/1-€198
Equity and liabilities
Total equity and liabilities10/49€41k€25k▼
Equity10/15€18k€22k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€15k€19k▲
Amounts payable17/49€23k€3k▼
Amounts payable within one year42/48€23k€3k▼
Trade debts44€8k€308▼
Suppliers440/4€8k€308▼
Taxes, remuneration and social security45€7k€3k▼
Taxes450/3€7k€3k▼
Other amounts payable47/48€8k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€2k€389▼
Gross operating margin9900€4k€13k▲
Operating profit (loss)9901€-5k€6k▲
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€4k€231▼
Recurring financial charges65€4k€231▼
Profit (loss) for the period before taxes9903€-8k€7k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-8k€4k▲
Profit (loss) for the period to be appropriated9905€-8k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€19k▲
Profit (loss) brought forward from the previous period14P€23k€15k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 6.75
Current ratio from 1.40 to 6.75; short-term debt falls from €23k to €3k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-8k ▼186%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 141 days late
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 507 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Pieters-Leeuw · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Steenbakkerijstraat 161600 Sint-Pieters-LeeuwGround area
121 m²
Building footprint
70 m²
Volume, LiDAR
593 m³
Parcel 23077A0024/00R006, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
YMA TECH
since 20212.326.309.824
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0024/00R006 | Flanders | 121 m² | 1 · 70 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0732.621.402
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VIGIMMO
BE 0881.015.465
Temse · Eq €22k
KIN'OKI
BE 0833.726.084
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AUTO BODSON
BE 0771.870.768
Kraainem · Eq €21k
JOIRIS INVEST
BE 1021.931.622
Soumagne · Eq €22k
Of 1,725 companies in sector 52210 we hold annual accounts for 771. 435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2021
Fiscal year end31-12
Activities, NACEBEL
52210Service activities incidental to land transportation
47711Retail sale of women's outerwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.